Disclaimer
This website is provided by CyberSurance™, a division of Terra Dygital Solutions Inc., on an “as is” and “as available” basis. CyberSurance™ makes no representations or warranties of any kind, express or implied, regarding the operation of this site or the information, content, or materials included on it. You expressly agree that your use of this website is at your sole risk. CyberSurance™ does not warrant that the information presented on this site is accurate, complete, current, reliable, or error-free; that the website will be available without interruption or at any particular time or location; or that the site or its servers are free of viruses or other harmful components.

Terms and Conditions of Use
Please read these terms carefully before using this website. By accessing or using this site, or by downloading any materials from it, you acknowledge and agree to be bound by the following terms and conditions.

Use of Website
This website is operated by Kerrisdale IT Consulting Inc., doing business as CyberSurance™, a division of Terra Dygital Solutions Inc., and is intended for informational purposes only. You agree not to use this website for any unlawful purpose or in violation of any applicable federal, provincial, state, local, or international laws, regulations, or requirements. CyberSurance™ reserves the right to report any activity that may be deemed unlawful to the appropriate authorities, without prior notice.

Prohibited Conduct
You are prohibited from engaging in any activity that compromises or attempts to compromise the security and integrity of this website. This includes, but is not limited to, unauthorized access to data or systems; attempting to gain access to restricted areas or user accounts; probing or testing the site's security vulnerabilities; tampering with authentication protocols; introducing malicious software such as viruses or Trojan horses; disrupting website functionality through spamming, flooding, or denial-of-service attacks; or intercepting, monitoring, or expropriating system communications or data. Any such behavior may result in civil or criminal liability and will be reported to the appropriate authorities.

Content and Intellectual Property
All content on this website, including but not limited to text, graphics, logos, images, software, downloads, and compilations, is the property of CyberSurance™ or its content suppliers, protected by Canadian and international copyright laws. You may print individual pages for personal, non-commercial use. You may download or distribute pages only for informational purposes. Any copies must not alter the original content and must include the copyright notice: “© CyberSurance. All rights reserved.” You may not use bots or scraping tools to mass-copy content, nor may you modify, reproduce, republish, or redistribute materials without prior written permission. You may not frame this site or misrepresent any affiliation with CyberSurance™. CyberSurance™ trademarks, service marks, and logos may not be used without express written consent.

Except as expressly provided above, you may not otherwise copy, display, download, distribute, modify, reproduce, republish, retransmit or create derivative works based upon any information, content, or materials contained in this website or any medium (including electronic or hard copy) without the express prior written consent of CyberSurance™. Nothing contained on this website shall be construed as conferring by implication, estoppel, or otherwise any license or right under any intellectual property right of CyberSurance™ or any third party, except as expressly provided above.

Trademarks
The trademarks, service marks, and logos of Kerrisdale Consulting Inc., CyberSurance™, Terra Dygital Solutions Inc. and its affiliates used and displayed on our site are our registered and unregistered trademarks. Requests to use trademarks owned by other companies which may be mentioned on our site should be directed to such other companies. We actively and vigorously enforce our intellectual property rights. Our trademarks, service marks, and logos may not be used in any way, including in advertising or publicity pertaining to distribution of materials on our site, without our prior written permission.

Submissions
All submissions, documents, materials, postings, comments, remarks, suggestions, ideas, graphics, or other information communicated from users to this website become the property and intellectual property of Kerrisdale Consulting Inc., CyberSurance™, and Terra Dygital Solutions Inc. We will not be required to treat any such submission as confidential. Further, Kerrisdale Consulting Inc., CyberSurance™, and Terra Dygital Solutions Inc. will be entitled to use any such submission for any purpose whatsoever, commercial or otherwise, without compensation to you or anyone else. Do not submit material that is unlawful, defamatory, abusive, or obscene, or that will violate any right of any third party, including copyright, trademark, privacy, or other personal or proprietary right(s).

Indemnification
You agree to indemnify and hold harmless CyberSurance™, Terra Dygital Solutions Inc., and their affiliates from all claims, damages, or expenses arising from your misuse of the website or violation of these Terms.

Limitation of Liability
CYBERSURANCE™ AND ITS AFFILIATES SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM USE OF THIS WEBSITE OR ANY LINKED SITE. THIS INCLUDES DAMAGES FROM COMPUTER VIRUSES, INTERRUPTIONS, OR INACCURACIES.

Compliance with Local Laws
This website is controlled and administered by CyberSurance™ from its offices within Canada, and this website and its contents are intended to comply with applicable laws and regulations in Canada. Although the information on this website is accessible to users outside of Canada, CyberSurance™ makes no representation that the content of this website complies with laws and regulations of any jurisdiction outside of Canada or that such content is appropriate or available for use in any such jurisdiction. Access to any content on this website from locations where such content is illegal is prohibited. If you choose to access this site from locations outside of Canada, you are responsible for compliance with any applicable local laws and regulations. You may not use or export any of the information on this website in violation of Canadian export laws and regulations.

Integration and Severability
If any provision of these Terms and Conditions of Use is deemed unlawful, void, or for any reason unenforceable, then that provision will be deemed severable from these Terms and Conditions of Use and will not affect the validity and enforceability of the remaining provisions. These Terms and Conditions of Use as may be updated from time to time by CyberSurance™ to represent the entire agreement between you and CyberSurance™ relating to the subject matter herein.

Modifications to Terms
CyberSurance™ reserves the right, at its sole discretion, to supplement or modify these Terms and Conditions of Use in whole or in part, at any time. Any such supplement or modification will become effective when it is posted on the website. Your continued use of the website after any supplements or modifications to these Terms and Conditions of Use are posted will be considered acceptance thereof.

External Links
As a convenience to you, CyberSurance™ provides links that allow you to connect with websites that are not under CyberSurance™’s control. You access these sites at your own risk. We are not responsible for the contents of any linked site, nor does the appearance of a link imply CyberSurance™’s endorsement.

Privacy and Security
Use of this site is subject to our Privacy Policy, which details our practices regarding data collection, use, and protection.

Functionality Disclaimer
CyberSurance™ does not guarantee that the functions contained in the site will be uninterrupted or error-free, that this site or its server will be free of viruses or other harmful components, or that defects will be corrected even if CyberSurance™ is aware of them. The material in this website may include technical inaccuracies or typographical errors.

Use by Minors
CyberSurance™ suggests that parents supervise their children while online. No information should be posted by minor children without parental consent.

Applicable Law
These Terms and Conditions of Use shall be governed by, and construed in accordance with, the laws of the Province of British Columbia. Any dispute arising from these terms shall be resolved exclusively in the provincial and federal courts in Vancouver, BC.